Georgia homeowners paid an average of $798 per property, per  year, in homeowners insurance, or approximately $120 more than the national  average. While its not required by Georgia law, homeowners insurance may be  mandated by your mortgage lender, so its important to have all the facts before  signing the dotted line.

Coverage Exclusions

Georgia Home Insurance 60 Day Rule

Just like with Georgia auto insurance, your Georgia homeowners insurance can be  cancelled by the insurer for any reason during the first 60 days of the policy,  but a 10-day termination notice must be given by mail. After 60 days, Georgia  law restricts cancellation in what is known as the “term period.” During this  time, your Georgia homeowners insurance policy can only be terminated if you fail to pay for  your premiums, file a false claim, are charged with a felony or fail to keep the  property in safe conditions.

Dogs, Trees and Automobiles

Certain types of dogs may be excluded on a Georgia homeowners insurance  policy, or they may keep you from getting insurance coverage altogether. Many Georgia home insurance companies will not even provide a quote for Georgia Homeowners if they have specific animals living on the property. For example, many  Georgia insurance companies will raise your premiums or cancel your policy if you have  an American Pit Bull Terrier, American Staffordshire Terrier, Doberman,  Rottweiller, Chow, Presa Canario or any wolf-hybrid animal. For example a Progressive home owner policy may require a letter from a dog trainer stating that any animal owned has completed a course and is found to be of no danger to others and is not a specific breed that is considered a danger.  If you have tree  damage and want to file a Georgia homeowners insurance claim, most plans will only cover  the cost to move tree debris, and hail- and wind-damaged trees are not covered  in Georgia home insurance policies. All vehicles on your property, including bikes, ATVs and other  motorized machines are also not protected by a Georgia homeowners insurance  policy.

The FAIR Plan

If your Georgia homeowners insurance policy is dropped or you cannot afford one, the  Georgia Office of Insurance recommends the Fair Access to Insurance  Requirements, or FAIR Plan, which is offered by the Georgia Underwriters  Insurance Association. The FAIR Plan steps in and helps low-income and  un-insurable homeowners when traditional insurers cannot, either through limited  coverage plan or a fire and extended  policy. The Georgia Homeowners insurance policy offered by the FAIR Plan usually does not give the same coverages as other Georgia homeowners policies from standard insurance companies such as Progressive, Liberty Mutual or Mercury.

Keep in mind that each company has different restrictions and coverages.  At Affordable Insurance Agency top rated insurance companies are quoted to ensure that the Georgia home owners policy that best fits the home owner is found and at a competitive price.  Affordable Insurance Agency offers free quotes on insurance products.  Shopping for Georgia home owners insurance is very easy when dealing with an Affordable Insurance agent.  Call today or fill out the quote submission form for a quick quote on your home insurance today!   If you are looking for more discounts allow Affordable Insurance to quote your Georgia auto insurance policy as well to recieve a package policy discount!